EP0836160A3 - Method and means for limiting adverse use of counterfeit credit cards, access badges, electronic accounts or the like - Google Patents

Method and means for limiting adverse use of counterfeit credit cards, access badges, electronic accounts or the like Download PDF

Info

Publication number
EP0836160A3
EP0836160A3 EP97307537A EP97307537A EP0836160A3 EP 0836160 A3 EP0836160 A3 EP 0836160A3 EP 97307537 A EP97307537 A EP 97307537A EP 97307537 A EP97307537 A EP 97307537A EP 0836160 A3 EP0836160 A3 EP 0836160A3
Authority
EP
European Patent Office
Prior art keywords
credit cards
card
recorded
histories
repository
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
EP97307537A
Other languages
German (de)
French (fr)
Other versions
EP0836160A2 (en
EP0836160B1 (en
Inventor
James Harvey Kaufman
Glenn Tavernia Sincerbox
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
International Business Machines Corp
Original Assignee
International Business Machines Corp
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by International Business Machines Corp filed Critical International Business Machines Corp
Publication of EP0836160A2 publication Critical patent/EP0836160A2/en
Publication of EP0836160A3 publication Critical patent/EP0836160A3/en
Application granted granted Critical
Publication of EP0836160B1 publication Critical patent/EP0836160B1/en
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing
    • G06Q20/4093—Monitoring of device authentication
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/12—Card verification
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/12—Card verification
    • G07F7/122—Online card verification

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Development Economics (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Debugging And Monitoring (AREA)
  • Computer And Data Communications (AREA)
  • Information Retrieval, Db Structures And Fs Structures Therefor (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

A system for rejecting second and subsequent copies of an informationally-equivalent card or badge asserted into a client/server system by processing only those cards having transaction histories recorded thereon by comparison matching a history recorded in a central repository and then rewriting the history on the card and in the repository. The rewritten histories include the current transaction. Counterfeit cards, informationally equivalent to the original card prior to the transaction update of the original card, will be rejected when asserted into the system since their histories mismatch that recorded in the repository.
EP97307537A 1996-10-08 1997-09-25 Method and means for limiting adverse use of counterfeit credit cards, access badges, electronic accounts or the like Expired - Lifetime EP0836160B1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US729256 1991-07-12
US08/729,256 US5991411A (en) 1996-10-08 1996-10-08 Method and means for limiting adverse use of counterfeit credit cards, access badges, electronic accounts or the like

Publications (3)

Publication Number Publication Date
EP0836160A2 EP0836160A2 (en) 1998-04-15
EP0836160A3 true EP0836160A3 (en) 2002-09-25
EP0836160B1 EP0836160B1 (en) 2007-11-07

Family

ID=24930241

Family Applications (1)

Application Number Title Priority Date Filing Date
EP97307537A Expired - Lifetime EP0836160B1 (en) 1996-10-08 1997-09-25 Method and means for limiting adverse use of counterfeit credit cards, access badges, electronic accounts or the like

Country Status (5)

Country Link
US (1) US5991411A (en)
EP (1) EP0836160B1 (en)
JP (1) JPH10124460A (en)
KR (1) KR100265473B1 (en)
DE (1) DE69738266T2 (en)

Families Citing this family (108)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6263319B1 (en) * 1997-09-26 2001-07-17 Masconi Commerce Systems Inc. Fuel dispensing and retail system for providing a shadow ledger
US6199762B1 (en) * 1998-05-06 2001-03-13 American Express Travel Related Services Co., Inc. Methods and apparatus for dynamic smartcard synchronization and personalization
US7162636B2 (en) * 1998-06-22 2007-01-09 Semtek Innovative Solutions, Inc. Method and apparatus for securing and authenticating encoded data and documents containing such data
US6604086B1 (en) 1998-07-20 2003-08-05 Usa Technologies, Inc. Electronic commerce terminal connected to a vending machine operable as a telephone
US6604085B1 (en) 1998-07-20 2003-08-05 Usa Technologies, Inc. Universal interactive advertising and payment system network for public access electronic commerce and business related products and services
US6609102B2 (en) 1998-07-20 2003-08-19 Usa Technologies, Inc. Universal interactive advertizing and payment system for public access electronic commerce and business related products and services
US6611810B1 (en) 1998-07-20 2003-08-26 Usa Technologies, Inc. Store display window connected to an electronic commerce terminal
US6763336B1 (en) 1998-07-20 2004-07-13 Usa Technologies, Inc. Method of transacting an electronic mail, an electronic commerce, and an electronic business transaction by an electronic commerce terminal using a wirelessly networked plurality of portable digital devices
US6615183B1 (en) 1998-07-20 2003-09-02 Usa Technologies, Inc. Method of warehousing user data entered at an electronic commerce terminal
US6807532B1 (en) 1998-07-20 2004-10-19 Usa Technologies, Inc. Method of soliciting a user to input survey data at an electronic commerce terminal
US6606602B1 (en) 1998-07-20 2003-08-12 Usa Technologies, Inc. Vending machine control system having access to the internet for the purposes of transacting e-mail, e-commerce, and e-business, and for conducting vending transactions
US6604087B1 (en) 1998-07-20 2003-08-05 Usa Technologies, Inc. Vending access to the internet, business application software, e-commerce, and e-business in a hotel room
US6601038B1 (en) 1998-07-20 2003-07-29 Usa Technologies, Inc. Delivery of goods and services resultant from an electronic commerce transaction by way of a pack and ship type company
US6601039B1 (en) 1998-07-20 2003-07-29 Usa Technologies, Inc. Gas pump control system having access to the internet for the purposes of transacting e-mail, e-commerce, and e-business, and for conducting vending transactions
US6601037B1 (en) 1998-07-20 2003-07-29 Usa Technologies, Inc. System and method of processing credit card, e-commerce, and e-business transactions without the merchant incurring transaction processing fees or charges worldwide
US7774229B1 (en) 1999-08-09 2010-08-10 R-Coupon.Com, Inc. Methods of anti-spam marketing through personalized referrals and rewards
US7742967B1 (en) * 1999-10-01 2010-06-22 Cardinalcommerce Corporation Secure and efficient payment processing system
US9430769B2 (en) 1999-10-01 2016-08-30 Cardinalcommerce Corporation Secure and efficient payment processing system
AU2117901A (en) 1999-10-22 2001-05-08 Efunds Corporation Method and apparatus for detecting and investigating fraudulent transactions in debit and charge card activations
KR100332497B1 (en) * 2000-03-06 2002-04-15 구홍식 A card approval method for overall financial information using a fingerprinter information
US7140036B2 (en) 2000-03-06 2006-11-21 Cardinalcommerce Corporation Centralized identity authentication for electronic communication networks
WO2002025495A1 (en) * 2000-09-21 2002-03-28 Trintech Limited A computerized method and system for a secure on-line transaction using cardholder authentication
US7991688B2 (en) * 2000-11-14 2011-08-02 Knowledge Works Inc. Methods and apparatus for automatically exchanging credit information
AU2002222417A1 (en) 2000-12-22 2002-07-08 Nagravision Sa Anti-cloning method
KR20020072708A (en) * 2001-03-12 2002-09-18 양 선 박 method for preventing use of credit card copied illegally by means of random numbers
US7805338B2 (en) 2001-03-26 2010-09-28 Usa Technologies, Inc. Method of constructing a digital content play list for transmission and presentation on a public access electronic terminal
WO2002082223A2 (en) * 2001-04-05 2002-10-17 Mastercard International Incorporated Method and system for detecting incorrect merchant code used with payment card transaction
AU2002326635A1 (en) * 2001-08-15 2003-03-03 Shea Writer Methods for verifying cardholder authenticity and for creating billing address database
GB2383876B (en) * 2001-08-31 2007-01-10 Sp Agency Ltd Distributed transaction processing system
US7822679B1 (en) 2001-10-29 2010-10-26 Visa U.S.A. Inc. Method and system for conducting a commercial transaction between a buyer and a seller
US7243853B1 (en) 2001-12-04 2007-07-17 Visa U.S.A. Inc. Method and system for facilitating memory and application management on a secured token
US6708892B2 (en) * 2002-01-08 2004-03-23 Hewlett-Packard Development Company, L.P. Voice annotations for smart cards
US9569797B1 (en) 2002-05-30 2017-02-14 Consumerinfo.Com, Inc. Systems and methods of presenting simulated credit score information
US7693783B2 (en) * 2002-06-12 2010-04-06 Cardinalcommerce Corporation Universal merchant platform for payment authentication
CA2492715C (en) * 2002-06-12 2016-12-06 Cardinalcommerce Corporation Universal merchant platform for payment authentication
US8645266B2 (en) * 2002-06-12 2014-02-04 Cardinalcommerce Corporation Universal merchant platform for payment authentication
US20040139021A1 (en) 2002-10-07 2004-07-15 Visa International Service Association Method and system for facilitating data access and management on a secure token
WO2004066109A2 (en) * 2003-01-16 2004-08-05 Inlet Ip Holdings Llc Secure system for digital signatures and methods for use thereof
US8489452B1 (en) 2003-09-10 2013-07-16 Target Brands, Inc. Systems and methods for providing a user incentive program using smart card technology
US20050138380A1 (en) * 2003-12-22 2005-06-23 Fedronic Dominique L.J. Entry control system
US7188212B2 (en) * 2004-05-06 2007-03-06 International Business Machines Corporation Method and system for storing data in an array of storage devices with additional and autonomic protection
US8606697B2 (en) 2004-06-17 2013-12-10 Visa International Service Association Method and system for providing buyer bank payable discounting services
US7093157B2 (en) * 2004-06-17 2006-08-15 International Business Machines Corporation Method and system for autonomic protection against data strip loss
US8732004B1 (en) 2004-09-22 2014-05-20 Experian Information Solutions, Inc. Automated analysis of data to generate prospect notifications based on trigger events
US10248951B2 (en) 2004-12-01 2019-04-02 Metavante Corporation E-coupon settlement and clearing process
US7711639B2 (en) 2005-01-12 2010-05-04 Visa International Pre-funding system and method
US8063878B2 (en) 2005-01-20 2011-11-22 The Invention Science Fund I, Llc Permanent electronic paper
US8640259B2 (en) 2005-01-20 2014-01-28 The Invention Science Fund I, Llc Notarizable electronic paper
US7739510B2 (en) 2005-05-12 2010-06-15 The Invention Science Fund I, Inc Alert options for electronic-paper verification
US7643005B2 (en) 2005-01-20 2010-01-05 Searete, Llc Semi-permanent electronic paper
US7669245B2 (en) * 2005-06-08 2010-02-23 Searete, Llc User accessibility to electronic paper
US8281142B2 (en) 2005-01-20 2012-10-02 The Invention Science Fund I, Llc Notarizable electronic paper
US7774606B2 (en) * 2005-01-20 2010-08-10 The Invention Science Fund I, Inc Write accessibility for electronic paper
US7856555B2 (en) 2005-01-20 2010-12-21 The Invention Science Fund I, Llc Write accessibility for electronic paper
US7865734B2 (en) * 2005-05-12 2011-01-04 The Invention Science Fund I, Llc Write accessibility for electronic paper
WO2007020510A1 (en) * 2005-08-16 2007-02-22 The Standard Bank Of South Africa Limited A system for authorising the use of a financial transaction card
JP2007058319A (en) * 2005-08-22 2007-03-08 Toshiba Tec Corp Merchandise sales data processing apparatus
US7991971B2 (en) 2005-09-09 2011-08-02 Microsoft Corporation State management for transactional backup consistency
EP1941466B1 (en) * 2005-10-27 2015-12-02 International Business Machines Corporation System and method for dynamically managing badge access
US20070296545A1 (en) * 2005-12-14 2007-12-27 Checkpoint Systems, Inc. System for management of ubiquitously deployed intelligent locks
US7711636B2 (en) 2006-03-10 2010-05-04 Experian Information Solutions, Inc. Systems and methods for analyzing data
US7992203B2 (en) 2006-05-24 2011-08-02 Red Hat, Inc. Methods and systems for secure shared smartcard access
US8180741B2 (en) 2006-06-06 2012-05-15 Red Hat, Inc. Methods and systems for providing data objects on a token
US7822209B2 (en) 2006-06-06 2010-10-26 Red Hat, Inc. Methods and systems for key recovery for a token
US8364952B2 (en) 2006-06-06 2013-01-29 Red Hat, Inc. Methods and system for a key recovery plan
US8332637B2 (en) 2006-06-06 2012-12-11 Red Hat, Inc. Methods and systems for nonce generation in a token
US8495380B2 (en) 2006-06-06 2013-07-23 Red Hat, Inc. Methods and systems for server-side key generation
US8098829B2 (en) 2006-06-06 2012-01-17 Red Hat, Inc. Methods and systems for secure key delivery
US8099765B2 (en) 2006-06-07 2012-01-17 Red Hat, Inc. Methods and systems for remote password reset using an authentication credential managed by a third party
US8707024B2 (en) 2006-06-07 2014-04-22 Red Hat, Inc. Methods and systems for managing identity management security domains
US9769158B2 (en) 2006-06-07 2017-09-19 Red Hat, Inc. Guided enrollment and login for token users
US8412927B2 (en) 2006-06-07 2013-04-02 Red Hat, Inc. Profile framework for token processing system
US8589695B2 (en) 2006-06-07 2013-11-19 Red Hat, Inc. Methods and systems for entropy collection for server-side key generation
US20070294104A1 (en) * 2006-06-15 2007-12-20 Carmeli Boaz System, Method, and Means, to Detect and Prevent Fraudulent Medical Insurance Claims
US8806219B2 (en) 2006-08-23 2014-08-12 Red Hat, Inc. Time-based function back-off
US8787566B2 (en) 2006-08-23 2014-07-22 Red Hat, Inc. Strong encryption
US8977844B2 (en) 2006-08-31 2015-03-10 Red Hat, Inc. Smartcard formation with authentication keys
US8074265B2 (en) * 2006-08-31 2011-12-06 Red Hat, Inc. Methods and systems for verifying a location factor associated with a token
US9038154B2 (en) 2006-08-31 2015-05-19 Red Hat, Inc. Token Registration
US8356342B2 (en) 2006-08-31 2013-01-15 Red Hat, Inc. Method and system for issuing a kill sequence for a token
US8693690B2 (en) 2006-12-04 2014-04-08 Red Hat, Inc. Organizing an extensible table for storing cryptographic objects
US8813243B2 (en) 2007-02-02 2014-08-19 Red Hat, Inc. Reducing a size of a security-related data object stored on a token
US8832453B2 (en) 2007-02-28 2014-09-09 Red Hat, Inc. Token recycling
US8639940B2 (en) 2007-02-28 2014-01-28 Red Hat, Inc. Methods and systems for assigning roles on a token
US9081948B2 (en) 2007-03-13 2015-07-14 Red Hat, Inc. Configurable smartcard
US9690820B1 (en) * 2007-09-27 2017-06-27 Experian Information Solutions, Inc. Database system for triggering event notifications based on updates to database records
US20090254480A1 (en) * 2008-04-08 2009-10-08 First Data Corporation System and method for preventing gift fraud
US10157375B2 (en) 2008-06-03 2018-12-18 Cardinalcommerce Corporation Alternative payment implementation for electronic retailers
US8762210B2 (en) 2008-06-03 2014-06-24 Cardinalcommerce Corporation Alternative payment implementation for electronic retailers
US8751791B2 (en) * 2008-09-17 2014-06-10 Motorola Solutions, Inc. Method and device for confirming authenticity of a public key infrastructure (PKI) transaction event
US20100174638A1 (en) 2009-01-06 2010-07-08 ConsumerInfo.com Report existence monitoring
US20110137804A1 (en) * 2009-12-03 2011-06-09 Recursion Software, Inc. System and method for approving transactions
EP2641208B1 (en) 2010-11-19 2020-04-29 Nagravision S.A. Method to detect cloned software
US9558519B1 (en) 2011-04-29 2017-01-31 Consumerinfo.Com, Inc. Exposing reporting cycle information
CN104751566B (en) * 2013-12-30 2018-11-27 中国银联股份有限公司 It monitors the method for pseudo- card risk and realizes the transaction processing system of this method
US10201967B2 (en) 2014-03-03 2019-02-12 Ctpg Operating, Llc System and method for securing a device with a dynamically encrypted password
US20160203478A1 (en) * 2015-01-14 2016-07-14 Tactilis Sdn Bhd System and method for comparing electronic transaction records for enhanced security
US9607189B2 (en) 2015-01-14 2017-03-28 Tactilis Sdn Bhd Smart card system comprising a card and a carrier
US10395227B2 (en) * 2015-01-14 2019-08-27 Tactilis Pte. Limited System and method for reconciling electronic transaction records for enhanced security
CN107251034A (en) * 2015-01-14 2017-10-13 塔克蒂利斯有限责任公司 For the system and method for the verification recorded for enhancing security request to electronic transaction
US10037528B2 (en) 2015-01-14 2018-07-31 Tactilis Sdn Bhd Biometric device utilizing finger sequence for authentication
US11410230B1 (en) 2015-11-17 2022-08-09 Consumerinfo.Com, Inc. Realtime access and control of secure regulated data
US10757154B1 (en) 2015-11-24 2020-08-25 Experian Information Solutions, Inc. Real-time event-based notification system
RU2716042C1 (en) 2016-07-15 2020-03-05 Кардиналкоммерс Корпорейшн Bridge between authentication and authorization using extended messages
WO2018144612A1 (en) 2017-01-31 2018-08-09 Experian Information Solutions, Inc. Massive scale heterogeneous data ingestion and user resolution
US10325277B1 (en) * 2018-06-07 2019-06-18 Capital One Services, Llc System and method for providing enhanced rewards to customers
US10880313B2 (en) 2018-09-05 2020-12-29 Consumerinfo.Com, Inc. Database platform for realtime updating of user data from third party sources
US11580558B2 (en) 2020-02-07 2023-02-14 Focus Universal Inc. Dynamic anti-counterfeit system and method

Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0234954A2 (en) * 1986-02-28 1987-09-02 Intellicard International, Inc. Magnetic card with identification code
EP0257596A2 (en) * 1986-08-26 1988-03-02 Siemens Aktiengesellschaft Method for recognizing the misuse of an IC card
GB2261538A (en) * 1991-11-13 1993-05-19 Bank Of England Transaction authentication system
US5317636A (en) * 1992-12-09 1994-05-31 Arris, Inc. Method and apparatus for securing credit card transactions
US5384449A (en) * 1992-04-28 1995-01-24 Visa International Service Association Authorization matching system
EP0637004A1 (en) * 1993-07-20 1995-02-01 Koninklijke KPN N.V. Method and apparatus for recording usage data of card operated devices
US5521363A (en) * 1994-02-16 1996-05-28 Tannenbaum; David H. System and method for tracking memory card transactions
US5539825A (en) * 1991-09-30 1996-07-23 Fujitsu Limited Electronic cashless transaction system

Family Cites Families (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3617638A (en) * 1968-07-17 1971-11-02 Audac Corp System for verifying credit card transactions
US4628195A (en) * 1984-03-09 1986-12-09 American Magnetics Corporation Credit card security system
EP0247623A3 (en) * 1984-03-19 1989-09-20 Omron Tateisi Electronics Co. Ic card transaction system
JPS6295689A (en) * 1985-10-22 1987-05-02 Casio Comput Co Ltd Ic card system
US4864618A (en) * 1986-11-26 1989-09-05 Wright Technologies, L.P. Automated transaction system with modular printhead having print authentication feature
US4900903A (en) * 1986-11-26 1990-02-13 Wright Technologies, L.P. Automated transaction system with insertable cards for transferring account data
JPH0622030B2 (en) * 1988-10-03 1994-03-23 富士通株式会社 Transaction validity confirmation method
US5524072A (en) * 1991-12-04 1996-06-04 Enco-Tone Ltd. Methods and apparatus for data encryption and transmission
US5613001A (en) * 1996-01-16 1997-03-18 Bakhoum; Ezzat G. Digital signature verification technology for smart credit card and internet applications

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0234954A2 (en) * 1986-02-28 1987-09-02 Intellicard International, Inc. Magnetic card with identification code
EP0257596A2 (en) * 1986-08-26 1988-03-02 Siemens Aktiengesellschaft Method for recognizing the misuse of an IC card
US5539825A (en) * 1991-09-30 1996-07-23 Fujitsu Limited Electronic cashless transaction system
GB2261538A (en) * 1991-11-13 1993-05-19 Bank Of England Transaction authentication system
US5384449A (en) * 1992-04-28 1995-01-24 Visa International Service Association Authorization matching system
US5317636A (en) * 1992-12-09 1994-05-31 Arris, Inc. Method and apparatus for securing credit card transactions
EP0637004A1 (en) * 1993-07-20 1995-02-01 Koninklijke KPN N.V. Method and apparatus for recording usage data of card operated devices
US5521363A (en) * 1994-02-16 1996-05-28 Tannenbaum; David H. System and method for tracking memory card transactions

Also Published As

Publication number Publication date
DE69738266T2 (en) 2008-08-28
US5991411A (en) 1999-11-23
DE69738266D1 (en) 2007-12-20
JPH10124460A (en) 1998-05-15
KR19980032255A (en) 1998-07-25
EP0836160A2 (en) 1998-04-15
KR100265473B1 (en) 2000-09-15
EP0836160B1 (en) 2007-11-07

Similar Documents

Publication Publication Date Title
EP0836160A3 (en) Method and means for limiting adverse use of counterfeit credit cards, access badges, electronic accounts or the like
FI973430A (en) System and method for electronic funds transfer using an automatic cash register to transfer transferred funds
US6106020A (en) Fraud prevention method and system
EP0854460A3 (en) Electronic transaction processing system and method for operating same
EP0813173A3 (en) Electronic purse application system and method thereof
WO2003028361A3 (en) Document processing system using full image scanning
EP0775990A3 (en) IC card automated transaction terminal and IC card used therein
CA2163365A1 (en) System and method for revaluation of stored tokens in ic cards
ATE116461T1 (en) MONEY TRANSFER SYSTEM.
EP0844550A3 (en) Method and system of using personal information as a key when distributing information
EP0768628A3 (en) An electronic cashless system
EP0858057A3 (en) Electronic commerce settlement system
EP0911772A3 (en) A method and system for off-line loading of stored value cards using a batch-load terminal
WO2002077758A3 (en) An online content portal system
EP1083527A3 (en) A universal magnetic stripe card
NO995529D0 (en) Electronic transaction
WO2000028450A3 (en) A method and a device relating to an automated exchange
EP0933717A3 (en) A method and system for tracking smart card loyalty points
EP0962875A3 (en) Electronic money apparatus, method, card and computer readable record medium having electronic money processing program recorded thereon
EP1077419A3 (en) System and method for use of distributed electronic wallets
HK1002491A1 (en) Reading data from smart card
EP0829829A3 (en) Card system for collectively loading right of use in predetermined amount of money and method of processing the card
EP1079347A3 (en) Process and device for electronic processing of cashless payments by means of security modules
EP0769767A3 (en) Secure money transfer techniques using smart cards
FR2554941A1 (en) ACCREDITIVE CARD AND METHOD OF USE

Legal Events

Date Code Title Description
PUAI Public reference made under article 153(3) epc to a published international application that has entered the european phase

Free format text: ORIGINAL CODE: 0009012

AK Designated contracting states

Kind code of ref document: A2

Designated state(s): AT BE CH DE DK ES FI FR GB GR IE IT LI LU MC NL PT SE

PUAL Search report despatched

Free format text: ORIGINAL CODE: 0009013

AK Designated contracting states

Kind code of ref document: A3

Designated state(s): AT BE CH DE DK ES FI FR GB GR IE IT LI LU MC NL PT SE

17P Request for examination filed

Effective date: 20030314

AKX Designation fees paid

Designated state(s): DE FR GB

17Q First examination report despatched

Effective date: 20030507

GRAP Despatch of communication of intention to grant a patent

Free format text: ORIGINAL CODE: EPIDOSNIGR1

GRAS Grant fee paid

Free format text: ORIGINAL CODE: EPIDOSNIGR3

GRAA (expected) grant

Free format text: ORIGINAL CODE: 0009210

AK Designated contracting states

Kind code of ref document: B1

Designated state(s): DE FR GB

REG Reference to a national code

Ref country code: GB

Ref legal event code: FG4D

REF Corresponds to:

Ref document number: 69738266

Country of ref document: DE

Date of ref document: 20071220

Kind code of ref document: P

ET Fr: translation filed
PLBE No opposition filed within time limit

Free format text: ORIGINAL CODE: 0009261

STAA Information on the status of an ep patent application or granted ep patent

Free format text: STATUS: NO OPPOSITION FILED WITHIN TIME LIMIT

26N No opposition filed

Effective date: 20080808

REG Reference to a national code

Ref country code: GB

Ref legal event code: 746

Effective date: 20090813

REG Reference to a national code

Ref country code: FR

Ref legal event code: PLFP

Year of fee payment: 20

PGFP Annual fee paid to national office [announced via postgrant information from national office to epo]

Ref country code: GB

Payment date: 20160922

Year of fee payment: 20

PGFP Annual fee paid to national office [announced via postgrant information from national office to epo]

Ref country code: FR

Payment date: 20160920

Year of fee payment: 20

PGFP Annual fee paid to national office [announced via postgrant information from national office to epo]

Ref country code: DE

Payment date: 20160928

Year of fee payment: 20

REG Reference to a national code

Ref country code: DE

Ref legal event code: R071

Ref document number: 69738266

Country of ref document: DE

REG Reference to a national code

Ref country code: GB

Ref legal event code: PE20

Expiry date: 20170924

PG25 Lapsed in a contracting state [announced via postgrant information from national office to epo]

Ref country code: GB

Free format text: LAPSE BECAUSE OF EXPIRATION OF PROTECTION

Effective date: 20170924